Do you have more than one pet and want pet insurance for all of them? Luckily, some of the best pet insurance companies offer multi-pet perks, such as discounts on your premiums.
We reviewed numerous insurers to find the ones that offer the best benefits for your pack. Here’s the lineup of the best pet insurance for multiple pets.
Sample quotes below are based on monthly costs for accident and illness policies with a $500 deductible, 80% reimbursement rate and $5,000 annual limit. The pets are medium mixed-breed dogs and domestic shorthair cats living in North Carolina.
Accident and illness, wellness rider
5% for 2 pets, 10% for 3+ pets (only on individual policies)
Sample premium for two dogs
$40.50 (family plan) or $56.59 (two individual plans)
Sample premium for two cats
$25.79 (family plan) or $39.61 (two individual plans)
We chose MetLife as the best pet insurance for multiple pets overall because you can save a significant amount of money by getting a family plan instead of individual plans for each pet.
With a family plan, all insured pets will have one premium with a shared deductible and coverage. And you can insure cats and dogs on the same policy. If you’d rather be able to customize your coverage for each pet, you can buy individual plans instead and receive a multi-pet discount.
Accident and illness, accident-only, wellness rider
10% for each additional pet
Sample premium for two dogs
Sample premium for two cats
Spot pet insurance was the most affordable option we found when retrieving sample quotes. It was cheaper for both domestic shorthair cats and mixed-breed dogs, and it offers affordable wellness coverage you can add to your policy to get reimbursed for routine care, such as vaccines, annual checkups and dental cleanings. However, quotes for other breeds were more expensive, so your price may vary.
Spot’s multi-pet discount is generous at 10% for each additional pet you insure. Plus, you can save even more money if you pay for the policy upfront for the year rather than monthly.
Accident and illness, accident-only, wellness rewards rider
10% for each additional pet
Sample premium for two dogs
Sample premium for two cats
Embrace pet insurance is a great option that offers accident-and-illness and accident-only plans. It has various annual reimbursement limit options ranging from $5,000 to unlimited. Its deductibles range from $100 to $1,000.
Our sample quotes for Embrace were more expensive than those of some other companies on this list, but you may qualify for other discounts, such as military or healthy pet discounts. Embrace’s multi-pet discount is the highest that most companies offer, at 10%.
Accident and illness, accident-only, wellness rider
10% for each additional pet
Sample premium for two dogs
Sample premium for two cats
ASPCA earned a spot on our list of the best companies for multiple pets because it offers affordable, comprehensive plans. Insuring more than one pet with ASPCA gets you a 10% discount on all additional pets. The sample quotes we received were more affordable than the rates many other companies offered.
Accident and illness, accident-only, wellness rider
5% for 2-3 pets, 10% for 4+ pets
Sample premium for two dogs
Sample premium for two cats
Nationwide is our top pick for exotic pet parents. Since the needs of each pet differ, Nationwide offers customized coverage for pet care based on the type of pet you have. It has three categories: birds, small mammals, and reptiles and amphibians.
While the multi-pet discount is only 5% if you have two to three pets, the discount increases to 10% if you insure four or more. Nationwide may not be the best option if you have multiple dogs because the price was higher than some other companies’ prices. However, the quotes for cats were more affordable.
The following list contains other companies that may be worth considering for multi-pet insurance:
Having multiple pets is extremely rewarding but also means extra vet bills. Luckily, pet insurance can help protect you financially from unexpected veterinary treatment for all of your furry friends.
Here’s more information about insuring multiple pets.
Multi-pet insurance works similarly to insurance for one pet. However, you can insure multiple pets in a few different ways.
Pet insurance for multiple pets covers treatment for accidents and illnesses for all insured pets. Coverage works the same as a policy that covers one pet. You can choose from accident-only plans or accident and illness plans. You may also be able to add a wellness rider for each pet.
Here are some examples of what accident and illness pet insurance covers:
Pet insurance companies typically allow you to customize your coverage for each pet you insure. For example, you may want accident and illness coverage for one dog but accident-only coverage for your other dog.
The only time you wouldn’t be able to customize each pet’s coverage is if you insure them all on one policy. In that case, they’ll all have the same coverage, premium, deductible and limits.
The average cost of pet insurance for multiple pets is around $36 to $70 for two dogs and around $19 to $48 for two cats. Pet insurance costs can vary based on the following factors:
The table below includes sample monthly premiums for multiple pets.
Sample premium for two dogs
Sample premium for two cats
Sample premium for one cat and one dog
5% for 2 pets, 10% for 3+ pets (only on individual policies)
$40.50 (family plan) or $56.59 (individual plans)
$25.79 (family plan) or $39.61 (individual plans)
$33.15 (family plan) or $48.32 (individual plans)
5% for 2-3 pets, 10% for 4+ pets
10% for each additional pet
10% for each additional pet
10% for each additional pet
Before you settle on a pet insurance company, it’s important to compare your options to find the best deal. Consider the following factors when buying pet insurance for multiple pets:
A multiple-pet insurance policy may be worth it for you so all your pets can be covered. While the cost adds up with the more pets you insure, multi-pet discounts typically range from around 5% to 10% off.
When deciding if it’s worth it, consider the cost of a policy, its benefits and your pet’s needs.
Pet insurance plans help cover the cost of vet visits for one pet. However, you can purchase coverage for multiple pets by buying separate policies for each pet you want to insure. Some companies also allow you to add your pets to the same policy — it depends on the insurer.
You can purchase pet insurance for multiple pets from the same insurance company. This will allow you to manage your policies with one account, and the company may offer you a multi-pet discount.
Some — but not all — pet health insurance companies offer a discount for insuring multiple pets. It usually ranges from 5% to 10% off. Before choosing a company, review its multi-pet options to see if it offers any incentives.
To determine our list of the best pet insurance companies for multiple pets, we considered the following factors:
A DOG trainer has revealed one popular breed that people should be wary of, warning…
EVENTSPassport to Piedmont Community Wine Dinner — To benefit All Breed Rescue and Training, 6 p.m.…
Gail was trying to save her pup when the water became too dangerous Updated 16:24…
The human desire to seek novelty in their pets is harming their health, writes Jacqueline…
The Boykin Spaniel, a versatile hunting dog known for its rich brown coat and friendly…
“You like the dog more than me.” As absurd as this accusation sounds, it’s one…